Paul borrowed a 25-year $819582 mortgage loan from CBA 5 years ago with an annual interest rate of 5.5%, monthly compounded. Recently, the interest rate has been decreased to 3.5% due to economic shocks. Given that the salary of Paul is $13065/month, now what is the ratio of PMT over his monthly salary?

(Keep 2 decimals and do not input% in the solution box, e.g., if you obtain 2.52612% as the outcome, please input 2.53 in your solution box